High Net Worth · Private Client Insurance
Private client insurance through Chubb, PURE, and AIG for high-value homes, collections, and the liability exposure that comes with significant assets.
We place high net worth personal lines through carriers built specifically for this client profile — not standard homeowners carriers with a "premier" tier. These carriers use agreed value, offer higher limits, provide dedicated claims adjusters, and understand the coverage needs of clients with complex assets.
Why Credentials Matter in Personal Risk Management
Most personal lines brokers are generalists. They sell homeowners, auto, and umbrella — and they process renewals without looking closely at whether the coverage is actually right for the client. For a standard home and a couple of cars, that's usually fine. For a client with a high-value home, a collection, multiple properties, and significant personal liability exposure, it's a problem.
Our broker holds the CPCU (Chartered Property Casualty Underwriter), the CIC (Certified Insurance Counselor), and the CPRM (Certified Personal Risk Manager) — the three most rigorous credentials in property and casualty insurance. The CPRM specifically is a designation focused on personal risk management for high net worth individuals and families. Very few brokers in the market hold all three.
What that means practically: we know how to read a Chubb or PURE policy and spot the gaps. We understand how to structure coverage for properties held in trusts and LLCs. We know the difference between agreed value and replacement cost and why it matters for a $3M home. We know how to schedule a collection correctly so that a single-item loss doesn't become a dispute over what the piece was worth.
High net worth personal insurance isn't about buying more of the same coverage — it's about understanding the specific exposures that come with significant assets and building a program that actually addresses them.
The highest designation in P&C insurance. Requires years of coursework in underwriting, risk management, insurance law, and finance. Held by fewer than 1% of brokers.
Advanced commercial and personal lines expertise with ongoing continuing education requirements.
A specialty designation focused specifically on personal risk management for high net worth individuals and families.
The Gap in Standard Coverage
Replacement cost coverage on a standard policy estimates what it would cost to rebuild your home using the carrier's cost models at the time of loss. For a high-value home with custom architecture, imported materials, or detailed finish work, that estimate is frequently wrong — and the gap only becomes visible after a total loss, when it's too late to fix. Agreed value coverage, standard with private client carriers, sets the payout amount in advance so there's no dispute.
Standard auto policies are built around actuarial tables for typical vehicles and typical drivers. A collector car, an exotic vehicle, or a fleet of several vehicles doesn't fit that model — valuation disputes, mileage restrictions, and inadequate liability limits are common. Specialty auto coverage through private client carriers values these vehicles correctly and extends liability limits to match the rest of your program.
Collection coverage is where generalist brokers most often underserve high net worth clients. Art, jewelry, watches, and wine each carry different risk profiles — breakage, theft, climate damage, market value fluctuation — and each needs to be scheduled with current appraisals. Unscheduled items sit under a homeowners policy's blanket sub-limit, which is rarely close to actual value.
Personal umbrella policies are commonly written at $1M because that's the default most brokers quote, not because it reflects the client's actual exposure. For a family with meaningful assets, a household with teenage drivers, a pool, or frequent entertaining, a serious liability judgment can exceed $1M without much difficulty. We size umbrella coverage to net worth and actual risk factors, not a default number.
Coverage Lines
Agreed value coverage for primary and secondary residences, sized to true rebuild cost with the finish quality and architectural detail a standard estimate misses.
Correct agreed-value coverage for collector cars, exotics, and multi-vehicle households, without the mileage restrictions and valuation disputes common on standard auto policies.
Scheduled coverage for individual high-value items — art, jewelry, watches, wine — based on current appraisal, with breakage and worldwide coverage where standard policies fall short.
Liability protection sized to net worth and household risk factors, not a default $1M limit. The layer that stands between a serious claim and your personal assets.
Hull, liability, and equipment coverage for boats and yachts, placed through carriers who understand marine risk and provide claims adjusters who specialize in it.
Coverage for the liability exposure that comes with employing household staff — nannies, housekeepers, property managers — including workers' comp and employment practices liability.
Areas We Serve
High-value homes in each of these communities carry a different risk profile — coastal exposure, wildfire interface, estate-sized lots, or a mix of all three. We build coverage around the specific market, not a one-size-fits-all private client policy.
Coastal luxury homes and condominiums facing bluff erosion, marine exposure, and some of the highest property values in San Diego County.
La Jolla Coverage →Beachfront cottages to multi-million dollar estates, with coastal bluff and flood exposure specific to this stretch of coastline.
Del Mar Coverage →Estate-sized properties, equestrian facilities, and gated communities with significant wildfire interface exposure.
Rancho Santa Fe Coverage →Coastal and inland luxury properties across a growing high-value market, in our own home city.
Carlsbad Coverage →Inland estates and growing luxury communities with wildland-urban interface exposure that standard carriers underprice or decline.
San Marcos Coverage →A master-planned hillside community of newer luxury construction with meaningful wildfire and topography-driven risk.
San Elijo Hills Coverage →Common Questions
Replacement cost coverage pays to rebuild your home based on the carrier's estimate at the time of loss, which can fall short if construction costs have risen or your home has unique features that are expensive to replicate. Agreed value coverage sets a pre-negotiated payout amount at the start of the policy, agreed to by you and the carrier in advance — so there's no dispute or shortfall calculation after a total loss. For high-value homes, especially those with custom finishes or architectural detail, agreed value removes the single biggest source of claim disputes.
It depends on your net worth, your visible assets, your household risk factors — teen drivers, a pool, frequent entertaining, household staff — and your overall liability exposure. As a general principle, your umbrella limit should be at or above your net worth, since a serious liability judgment can reach beyond a standard $1M policy quickly. We size umbrella coverage individually rather than defaulting to a round number, and we review it every year as your assets and exposure change.
Items above a certain value threshold — which varies by carrier but is often a few thousand dollars per item — should be individually scheduled with a current appraisal on file. Unscheduled personal property on a standard homeowners policy typically has strict sub-limits for categories like jewelry, fine art, and collectibles, often just a few thousand dollars total regardless of what you actually own. Scheduling avoids a dispute over value after a loss and often removes deductibles on the scheduled items entirely.
This is common for high net worth clients for estate planning and liability protection purposes, and it needs to be reflected correctly on the policy — either as the named insured or as an additional insured, depending on the structure. We regularly review high net worth accounts and find the insured party doesn't match how the property is actually titled, which can complicate a claim or undermine the liability protection the trust or LLC was meant to provide.
These carriers are built specifically for the high net worth client profile rather than offering a "premier" tier bolted onto a mass-market product. That means agreed value on homes, higher standard liability limits, dedicated claims adjusters who specialize in high-value losses, broader water and sewer backup coverage, cash settlement options, and underwriting that actually understands complex assets like collections, multiple properties, and household staff. The claims experience alone is usually the deciding factor for clients who've been through a loss with both types of carriers.
Not necessarily, and sometimes it's less expensive for a comparable level of actual protection. Private client carriers often include coverages that would be costly add-ons on a standard policy — equipment breakdown, service line coverage, cash settlement, and higher liability limits — as part of the base program. The comparison isn't apples to apples once you account for what's actually included, which is why we walk clients through a real coverage comparison rather than just a premium comparison.
Private client carriers like Chubb, PURE, and AIG are built to handle multi-state and multi-property accounts under a single coordinated program, which is typically more efficient and better coordinated than separate policies with different regional carriers. We manage the placement across states and make sure liability and umbrella coverage extends properly across all properties, not just the primary residence.
A 30-minute conversation with a CPCU-credentialed broker can change what you're paying and what you're protected against.